Who has a bigger advantage to implement new banking practices and why? federal-chartered banks because of their size and power
federal-chartered banks because of their access to a broader network
state-chartered banks because of their law-making ability
state-chartered banks because of their smaller size and proximity to their markets

[1] on her way home from practice, rebekka found a gold man’s watch. [2] she wasn’t sure what to do. [3] there was no name engraved on the back. [4] looking at the gold links on the band, the watch seemed to rebekka to be expensive. [5] she felt badly that someone had lost such a nice watch. what is the best revision of the troublesome modifier in sentence 5?